Mortgages

Adding your mortgage to 'My accounts' allows you to draw down additional funds (if you have a Home Cash Reserve or Flexible Mortgage), see approximately how much is left to pay, view your monthly payment amount and get an estimate of the amount of equity you hold in your property.

Draw down funds from your Home Cash Reserve or Flexible Mortgage
Select your mortgage account from 'My accounts' and then click 'Withdraw Funds' from your 'Account summary' page. The 'withdraw funds' link will only be shown if you already have a suitable product set up.

Provide the information requested on-screen then click 'Continue'.

If you don't have a Home Cash Reserve or Flexible Mortgage, you can still apply to borrow more on your mortgage with a Further Advance.

Mortgage payment holiday
Any entitlement to take a break from your mortgage payments will be shown on the 'Account summary' page.  This is called a 'nil payment option' where you have a Flexible Mortgage.

Read more about payment holidays including details of how to apply and the conditions.

Mortgage Promise
If you're looking to move home or re-mortgage, an online Mortgage Promise is an indication of how much you'll be able to borrow, and takes around 15/20 minutes to complete.  Select 'Mortgage' from the 'Apply now' dropdown on 'My accounts', then click 'Mortgage Promise' from the right hand side 'Common enquiries' panel . 

The Mortgage Promise certificate is an agreement in principle for the amount you would be able to borrow from us and shows any home seller that you're a serious buyer able to access suitable funds.  Online Mortgage Promise applications completed between 6:00am and 9:00pm will receive an immediate decision. Outside of these hours, we'll send you an email when the decision is available to view online.

You can review your completed Mortgage Promise document online by selecting 'Mortgage application' on 'My accounts' to access your 'Application summary' page.

For more help with your Mortgage Promise, or to complete a full mortgage application, call our mortgage line on 08458 50 37 05 (lines open 8am to 8pm Monday to Friday, 9am to 4pm Saturday) or visit your nearest branch and arrange to speak to a Mortgage Adviser.